ATR

After originating more than $1 billion in loans outside the ability-to-repay rule's Qualified Mortgage safe harbor last year, Angel Oak is planning to originate at least twice that in 2018.

Impac Mortgage Holdings generated almost $4 million in net income during the first quarter as it continued to downsize to adjust for origination declines and benefited from servicing gains.

From HMDA and TRID to restoring the Protecting Tenants at Foreclosure Act, here's a look at 10 mortgage and housing provisions in the Senate's regulatory reform bill.

The average VantageScore last year was higher than it has been since 2007 due to improved hiring and despite stagnant wages that aren't keeping pace with rising debt levels.

Most secondary market outlets, along with the non-qualified mortgage lenders, remain reluctant to lend to legal cannabis workers because of the source and nature of their compensation, but opportunities are beginning to emerge.

Legalizing the recreational use of marijuana has created jobs in Colorado, bringing people into the state and putting stress on its residential purchase and rental markets.

Although property tax loans raise concerns for the mortgage industry, there is a way for property tax lenders and mortgage companies to co-exist.

Two bills that would boost protections for consumers taking out PACE home-improvement loans are headed to Gov. Jerry Brown’s desk after passing the Legislature.

Mortgage holders could see their security interest wiped out if a borrower in Texas or Nevada gets a property tax loan where the lien has priority over the first mortgage.

From funding sources to home prices, here's a look at five questions lenders must ask themselves before they can safely originate 1% down mortgages.

Freddie Mac has set a November implementation date for its plan to tighten restrictions on seller-funded down payments.

Borrowers with variable-rate debt affected by Federal Reserve rate hikes showed they could handle December's 25-basis-point increase, but that could be changing as short-term rates continue to rise.

The latest readings on mortgage credit availability show slight improvement month-to-month, reversing course after two consecutive declines in April and May.

The Federal Housing Finance Agency has added three categories to the list of protected classes under equal opportunity employment and inclusion rules for regulated entities.

The Financial Choice Act contains many positive reforms for community banks, but a provision affording benefits for holding loans on balance sheet poses risk for small lenders.

Guild Mortgage is reaching out to millennials who often have higher debt-to-income ratios and lack down payments with a grant that allows them to put just 1% down.

The real estate investment trust has become a regular issuer, relying on a strategy of exercising "clean-up calls" on older mortgage bonds that it services.

Home affordability is near lows last seen post-crisis but there is hope wage growth that is outpacing home prices in many counties could reverse or slow the trend.

Fannie Mae has obtained reinsurance for $510 million of credit losses on $20.4 billion of single-family residential mortgages through a pair of credit insurance risk transfer transactions.

Soaring home values have property taxes on the rise. Servicers must be vigilant about borrower payment shock that can add complexity to escrow services and portfolio management. Here's a look at the states with the largest tax hikes.